🕷️ Crawler Inspector

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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 0 (from laksa068)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa000.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://unitedfcu.com/resources/advice-hub/8-simple-tips-to-save-money\')), getAhrefsUnparsedNoserviceFromURL(\'https://unitedfcu.com/resources/advice-hub/8-simple-tips-to-save-money\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/unitedfcu.com\/resources\/advice-hub\/8-simple-tips-to-save-money","crawl_time":1774258122,"first_indexed_time":1745610106,"http_code":200,"src_unparsed":"com,unitedfcu!\/resources\/advice-hub\/8-simple-tips-to-save-money s443","src_root_hash":"7806836292316303600","history_drop_reason":null,"meta_title":"8 Simple Tips to Save Money | Advice Hub | United Federal Credit Union","meta_descriptions":["Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough - here are 8 simple tips for saving!"],"attrs_boilerpipe_text":"8 Simple Tips to Save Money\nSometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving?\nHere are eight simple tips on how to save money that you can start today.\n1. Review and remove unnecessary subscriptions to save money\nSubscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling $20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives.\n2. Visualize what you want to save money for and discover how much it costs\nIt can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results.\n3. Increase your credit score to save money\nIncreasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits.\n4. Get a savings account with APY to earn on the money you save\nYou may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with $10,000 and a 3.75% APY, you can earn up to $375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor.\nSee\nUnited’s Elevate Money Market\nand talk to an advisor to see how much you can earn through your savings account.\n5. Open a Health Savings Account (HSA) to save money on taxes\nOne way how you can save money on health and wellness expenses is by opening an HSA account. A\nHealth Savings Account\nwill eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money.\n6. Join a family member’s account for discounted services and memberships\nDo you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than $100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you!\n7. Make temporary sacrifices to save money\nGiving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt.\n8. Avoid the cost of convenience to reduce wasteful spending\nThere is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine.\nDo you find these tips helpful? Find us on\n \nFacebook \nand \nInstagram\n  for more advice and let us know if these strategies have worked for you.","attrs_markdown":"![](https:\/\/d21y75miwcfqoq.cloudfront.net\/fa3ab360)\n\n[skip to main content](https:\/\/unitedfcu.com\/resources\/advice-hub\/8-simple-tips-to-save-money#main)\n\n- [Become a Member](https:\/\/open.unitedfcu.com\/pos\/unitedfcu_241218\/b703c6f7-83d5-4d74-b54f-ab48eae7ac33\/new \"Become a Member\")\n- [Contact Us](https:\/\/unitedfcu.com\/contact-us \"Contact Us\")\n- [Locations](https:\/\/unitedfcu.com\/contact-us\/atmbranchlocator \"Locations\")\n- [Rates & Fees](https:\/\/unitedfcu.com\/rates-and-fees \"Rates & Fees\")\n\n[Go Home](https:\/\/unitedfcu.com\/home)\n\n- Personal\n  \n  - Bank\n    \n    - [Checking Accounts](https:\/\/unitedfcu.com\/personal\/bank\/checking\/compare-checking-accounts \"Learn about personal checking account options\")\n    - [Ultra Checking](https:\/\/unitedfcu.com\/personal\/bank\/checking\/ultra-checking \"Learn about Ultra Checking and open an account today\")\n    - [Credit Cards](https:\/\/unitedfcu.com\/personal\/bank\/credit-cards\/compare-credit-cards \"Learn about our Visa® credit card options and apply today\")\n    - [Money Market Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/money-market-accounts\/elevate-money-market \"Learn about the Elevate Money Market and open an account today\")\n    - [Share Certificates](https:\/\/unitedfcu.com\/personal\/bank\/share-certificates \"Learn about Share Certificates and start saving today\")\n    - [Savings Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/membership-savings \"Learn about Savings Accounts and open an account today\")\n    - [Individual Retirement Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/individual-retirement-account \"Learn about IRAs and start planning for retirement\")\n    - [Health Savings Account](https:\/\/unitedfcu.com\/personal\/bank\/savings\/health-savings-account \"Learn about Health Savings Accounts and open one today\")\n  - Borrow\n    \n    - [Mortgages & Refinancing](https:\/\/unitedfcu.com\/personal\/borrow\/mortgages \"Explore our Mortgage loan options and start your home journey today\")\n    - [Mortgage Advisors](https:\/\/unitedfcu.com\/personal\/borrow\/mortgages\/advisors \"Find a local mortgage advisor near you\")\n    - [Auto Loans](https:\/\/unitedfcu.com\/personal\/borrow\/auto-loans \"Learn about Auto Loans and apply for financing today\")\n    - [Home Equity Loans](https:\/\/unitedfcu.com\/personal\/borrow\/home-equity-loans \"Learn about Home Equity Loans and use your home’s value to borrow today\")\n    - [Boat, RV & Powersports](https:\/\/unitedfcu.com\/personal\/borrow\/recreational-vehicle-loans \"Learn about RV and Powersport Loans and finance your next adventure today\")\n    - [Personal Loans](https:\/\/unitedfcu.com\/personal\/borrow\/personal-loans \"Learn about Personal Loans and apply for funds today\")\n    - [Student Loans](https:\/\/unitedfcu.com\/personal\/borrow\/student-loans \"Learn about Student Loans and explore financing for education today\")\n    - [Skip-a-Payment](https:\/\/unitedfcu.com\/personal\/borrow\/skip-a-payment \"Learn about the Skip-a-Payment program and see if you qualify today\")\n  - Resources\n    \n    - [Dividend Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/dividend-rates \"Learn about current Dividend Rates and see how your savings can grow\")\n    - [Loan Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/loan-rates \"Learn about current Loan Rates and find a financing option that fits your needs\")\n    - [Mortgage Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/mortgage-rates \"Learn about current Mortgage Rates and explore your home financing options\")\n    - [Personal Banking Fees](https:\/\/unitedfcu.com\/rates-and-fees\/fees\/personal-banking-fees \"Learn about Personal Banking Fees and understand your account costs\")\n    - [Financial Calculators](https:\/\/unitedfcu.com\/resources\/financial-calculators \"Explore Financial Calculators and plan your goals now\")\n    - [Advice Hub](https:\/\/unitedfcu.com\/resources\/advice-hub \"Visit the Advice Hub and get tips to improve your financial well-being\")\n    - [Loan Payment Options](https:\/\/unitedfcu.com\/personal\/borrow\/loan-payment-options \"Learn about Loan Payment Options and manage your payments with ease\")\n- Business\n  \n  - Bank\n    \n    - [Business Overview](https:\/\/unitedfcu.com\/business \"Learn about Business Banking and discover how we support your company\")\n    - [Checking Accounts](https:\/\/unitedfcu.com\/business\/bank\/checking\/compare-business-checking-accounts \"Learn about Business Checking Accounts and open an account now\")\n    - [Commercial Visa® Credit Card](https:\/\/unitedfcu.com\/business\/borrow\/commercial-credit-card \"Learn about our Commercial Visa Credit Card and apply today\")\n    - [Money Market Accounts](https:\/\/unitedfcu.com\/business\/bank\/savings\/business-elevate-money-market \"Learn about Business Money Market Accounts and start saving today\")\n    - [Share Certificates](https:\/\/unitedfcu.com\/business\/bank\/savings\/business-certificates \"Learn about Business Share Certificates and grow your funds now\")\n    - [Membership Savings](https:\/\/unitedfcu.com\/business\/bank\/savings\/business-membership-savings \"Learn about Business Membership Savings Accounts and open one now\")\n    - [Health Savings Account](https:\/\/unitedfcu.com\/business\/bank\/savings\/business-hsa \"Learn about Business Health Savings Accounts and start saving for healthcare expenses\")\n    - [Meet Our Market Development Managers](https:\/\/unitedfcu.com\/business\/bank\/meet-our-market-managers \"Meet our Market Development Managers and connect with a local expert\")\n  - Borrow\n    \n    - [Term Loans](https:\/\/unitedfcu.com\/business\/borrow\/business-term-loans \"Learn about Business Term Loans and apply for funding today\")\n    - [Line of Credit](https:\/\/unitedfcu.com\/business\/borrow\/business-lines-of-credit \"Learn about Business Lines of Credit and manage cash flow now\")\n    - [Real Estate Loans](https:\/\/unitedfcu.com\/business\/borrow\/commercial-real-estate \"Learn about Commercial Real Estate Loans and finance property for your business\")\n    - [SBA Loans](https:\/\/unitedfcu.com\/business\/borrow\/sba-loans \"Learn about SBA Loans and see how we can support your business growth\")\n    - [Meet Our Loan Officers](https:\/\/unitedfcu.com\/business\/borrow\/commercial-loan-officers \"Meet our Business Loan Officers and get expert lending guidance\")\n  - Treasury Management & Tools\n    \n    - [Digital Banking](https:\/\/unitedfcu.com\/digital\/business\/business-digital-banking \"Learn about Business Digital Banking and manage accounts online now\")\n    - [Merchant Services](https:\/\/unitedfcu.com\/business\/treasury-management\/merchant-services \"Learn about Merchant Services and start accepting payments today\")\n    - [Positive Pay](https:\/\/unitedfcu.com\/business\/treasury-management\/positive-pay \"Learn about Positive Pay and protect your business from check fraud\")\n    - [Sweep Services](https:\/\/unitedfcu.com\/business\/treasury-management\/sweep-services \"Learn about Sweep Services and optimize your cash flow\")\n    - [Mobile & Remote Deposit](https:\/\/unitedfcu.com\/digital\/business\/mobile-remote-deposit \"Learn about Mobile and Remote Deposit and save time banking on the go\")\n    - [Business Resources](https:\/\/unitedfcu.com\/business\/treasury-management\/business-resources \"Explore Business Resources and find tools to help your company succeed\")\n    - [Zelle® Business](https:\/\/unitedfcu.com\/digital\/business\/zelle-business \"Learn about Zelle for Business and send payments instantly\")\n    - [Meet Our Treasury Officers](https:\/\/unitedfcu.com\/business\/treasury-management\/treasury-management-officers \"Meet our Treasury Officers and discover tailored cash management solutions\")\n- Resources\n  \n  - Digital Tools & Payments\n    \n    - [Digital Banking](https:\/\/unitedfcu.com\/digital\/bank\/digital-banking \"Learn about Digital Banking and manage your accounts online now\")\n    - [eDocuments](https:\/\/unitedfcu.com\/digital\/manage\/edocuments \"Learn about eDocuments and access your statements securely online\")\n    - [Mobile Check Deposit](https:\/\/unitedfcu.com\/digital\/bank\/mobile-check-deposit \"Learn about Mobile Check Deposit and deposit checks from your phone\")\n    - [Zelle®](https:\/\/unitedfcu.com\/digital\/payments\/zelle \"Learn about Zelle and send money to friends and family instantly\")\n    - [SavvyMoney](https:\/\/unitedfcu.com\/digital\/manage\/savvymoney \"Learn about SavvyMoney and check your credit score now\")\n    - [Wire Transfer](https:\/\/unitedfcu.com\/digital\/payments\/wire-transfer \"Learn about Wire Transfers and send funds securely worldwide\")\n    - [Card Controls](https:\/\/unitedfcu.com\/digital\/manage\/card-controls \"Learn about Card Controls and manage your debit or credit cards now\")\n    - [Digital Wallet](https:\/\/unitedfcu.com\/digital\/payments\/digital-wallet \"Learn about Digital Wallets and start using Apple Pay, Google Pay, or Samsung Pay today\")\n  - Resources & Advice\n    \n    - [Financial Calculators](https:\/\/unitedfcu.com\/resources\/financial-calculators \"Explore Financial Calculators and plan your savings or loans now\")\n    - [My Home Tracker](https:\/\/unitedfcu.com\/resources\/my-home-tracker \"Explore United's My Home Tracker tool to receive valuable insights about your home's value and worth.\")\n    - [Financial Wellness Reviews](https:\/\/unitedfcu.com\/resources\/financial-wellness-reviews \"Explore Financial Wellness Reviews and how to schedule one. \")\n    - [Shred Day Events](https:\/\/unitedfcu.com\/resources\/shred-day)\n    - [Advice Hub](https:\/\/unitedfcu.com\/resources\/advice-hub \"Visit the Advice Hub and get financial tips for every stage of life\")\n    - [Applications & Forms](https:\/\/unitedfcu.com\/resources\/applications-and-forms \"Find Applications and Forms for opening accounts or applying for loans\")\n    - [Security Alerts](https:\/\/unitedfcu.com\/resources\/security-alerts \"Learn about Security Alerts and stay informed about account protection\")\n    - [Fraud Prevention](https:\/\/unitedfcu.com\/resources\/fraud-protection \"Learn about Fraud Prevention and protect your identity now\")\n    - 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United Investment Planning (UIP)\n    \n    - [Investment Planning](https:\/\/unitedfcu.com\/invest-insure\/invest \"Go to the main investment page\")\n    - [Find Investment Strategies](https:\/\/unitedfcu.com\/invest-insure\/invest\/financial-strategy \"Learn about Investment Strategies and discover options that fit your goals\")\n    - [Explore Insurance Strategy](https:\/\/unitedfcu.com\/invest-insure\/invest\/insurance-strategy \"Learn about Insurance Strategies and discover options that fit your goals\")\n    - [Prepare for Your Future](https:\/\/unitedfcu.com\/invest-insure\/invest\/prepare-for-your-future \"Learn investment strategies to prepare for your future\")\n    - [Contact UIP](https:\/\/unitedfcu.com\/invest-insure\/invest\/contact \"Contact United Investment Planning vie email\")\n    - [Access Your Account](https:\/\/unitedfcu.com\/invest-insure\/invest\/access-your-account \"Access your United Investment Planning account securely online\")\n    - [Meet Our Advisors](https:\/\/unitedfcu.com\/invest-insure\/invest\/meet-our-advisors \"Talk to a Financial Advisor and get personalized investment guidance\")\n  - Auto & Home Insurance\n    \n    - [TruStage® Auto & Home](https:\/\/unitedfcu.com\/invest-insure\/insure\/trustage-auto-home-insurance \"Learn about TruStage Auto and Home Insurance and get coverage today\")\n    - [Travelers Auto & Home](https:\/\/unitedfcu.com\/invest-insure\/insure\/travelers-auto-home-insurance \"Learn about Travelers Auto and Home Insurance and get a personalized quote\")\n    - [GAP & Mechanical Breakdown Protection](https:\/\/unitedfcu.com\/invest-insure\/insure\/gap-mechanical-breakdown-protection \"Learn about GAP and Mechanical Breakdown Protection and safeguard your vehicle investment\")\n    - [Depreciation Protection](https:\/\/unitedfcu.com\/invest-insure\/insure\/depreciation-protection \"Learn about Depreciation Protection and keep your car’s value covered\")\n  - Other Insurance Coverages\n    \n    - [Prudential Life Insurance](https:\/\/unitedfcu.com\/invest-insure\/insure\/life-insurance \"Learn about Life Insurance options and protect your loved ones’ future\")\n    - [Accidental Death & Dismemberment](https:\/\/unitedfcu.com\/invest-insure\/insure\/accidental-death-and-dismemberment \"Learn about Accidental Death and Dismemberment coverage and add extra protection now\")\n    - [Debt Protection](https:\/\/unitedfcu.com\/invest-insure\/insure\/debt-protection \"Learn about Debt Protection and safeguard your loans in unexpected circumstances\")\n    - [Hospital Accident Plan](https:\/\/unitedfcu.com\/invest-insure\/insure\/hospital-accident-plan \"Learn about the Hospital Accident Plan and get financial support for medical emergencies\")\n    - [LifeLock™](https:\/\/unitedfcu.com\/invest-insure\/insure\/identity-theft-protection \"Learn about LifeLock Identity Theft Protection and help secure your personal information now\")\n- About Us\n  \n  - About Us\n    \n    - [About United](https:\/\/unitedfcu.com\/about-us\/why-united\/about-united \"Learn about United Federal Credit Union and our commitment to our Members\")\n    - [Why Join](https:\/\/unitedfcu.com\/about-us\/why-united\/why-join \"Learn why you should join United and enjoy the benefits of membership\")\n    - [Member Benefits](https:\/\/unitedfcu.com\/about-us\/why-united\/member-benefits \"Learn about Member Benefits and see how United supports you every day\")\n    - [Careers](https:\/\/unitedfcu.com\/about-us\/careers \"Learn about Careers at United and explore open opportunities today\")\n    - [Community](https:\/\/unitedfcu.com\/about-us\/why-united\/community-involvement \"Learn about our Community involvement and how we give back\")\n    - [Our History](https:\/\/unitedfcu.com\/about-us\/why-united\/our-history \"Learn about our History and how United has grown with our Members\")\n    - [Annual Meeting](https:\/\/unitedfcu.com\/about-us\/annual-meeting \"Learn about our Annual Meeting and how Members can participate\")\n  - Support\n    \n    - [Contact Us](https:\/\/unitedfcu.com\/contact-us \"Contact United Federal Credit Union for assistance and support\")\n    - [Schedule An Appointment](https:\/\/unitedfcu.com\/contact-us\/schedule-an-appointment \"Schedule an appointment with a United representative now\")\n    - [Report Lost or Stolen Card](https:\/\/unitedfcu.com\/contact-us\/report-lost-or-stolen-card \"Report a lost or stolen card and protect your account immediately\")\n    - [Debit or Credit Card Disputes](https:\/\/unitedfcu.com\/contact-us\/debit-or-credit-card-disputes \"Learn how to file a Debit or Credit Card dispute and get help resolving issues\")\n  - Branches & ATMs\n    \n    - [Branches & ATMs](https:\/\/unitedfcu.com\/contact-us\/atmbranchlocator \"Find United branches and ATMs near you now\")\n    - [Branch Hours](https:\/\/unitedfcu.com\/contact-us\/branch-hours \"View branch hours and plan your next visit\")\n    - [Holiday Schedule](https:\/\/unitedfcu.com\/contact-us\/holiday-schedule \"Learn about our Holiday Schedule and branch closures\")\n    - [Shared Branches](https:\/\/unitedfcu.com\/contact-us\/shared-branches \"Learn about Shared Branches and access your account nationwide\")\n\n[Login](https:\/\/online.unitedfcu.com\/UnitedFederalCreditUnionOnline\/uux.aspx)\n\n[Go Home](https:\/\/unitedfcu.com\/home)\n\nRouting:\n\n272484894\n\nCopied\\!\n\n[Become a Member](https:\/\/open.unitedfcu.com\/pos\/unitedfcu_241218\/b703c6f7-83d5-4d74-b54f-ab48eae7ac33\/new \"Become a Member\")\n\n[Contact Us](https:\/\/unitedfcu.com\/contact-us \"Contact Us\")\n\n[Locations](https:\/\/unitedfcu.com\/contact-us\/atmbranchlocator \"Locations\")\n\n[Rates & Fees](https:\/\/unitedfcu.com\/rates-and-fees \"Rates & Fees\")\n\n[Personal](\"Explore personal banking menu options\")\n\n- [Bank](\"Explore personal banking account options\")\n  \n  - [Checking Accounts](https:\/\/unitedfcu.com\/personal\/bank\/checking\/compare-checking-accounts \"Learn about personal checking account options\")\n  - [Ultra Checking](https:\/\/unitedfcu.com\/personal\/bank\/checking\/ultra-checking \"Learn about Ultra Checking and open an account today\")\n  - [Credit Cards](https:\/\/unitedfcu.com\/personal\/bank\/credit-cards\/compare-credit-cards \"Learn about our Visa® credit card options and apply today\")\n  - [Money Market Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/money-market-accounts\/elevate-money-market \"Learn about the Elevate Money Market and open an account today\")\n  - [Share Certificates](https:\/\/unitedfcu.com\/personal\/bank\/share-certificates \"Learn about Share Certificates and start saving today\")\n  - [Savings Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/membership-savings \"Learn about Savings Accounts and open an account today\")\n  - [Individual Retirement Accounts](https:\/\/unitedfcu.com\/personal\/bank\/savings\/individual-retirement-account \"Learn about IRAs and start planning for retirement\")\n  - [Health Savings Account](https:\/\/unitedfcu.com\/personal\/bank\/savings\/health-savings-account \"Learn about Health Savings Accounts and open one today\")\n- [Borrow](\"Explore personal borrowing and loan account options\")\n  \n  - [Mortgages & Refinancing](https:\/\/unitedfcu.com\/personal\/borrow\/mortgages \"Explore our Mortgage loan options and start your home journey today\")\n  - [Mortgage Advisors](https:\/\/unitedfcu.com\/personal\/borrow\/mortgages\/advisors \"Find a local mortgage advisor near you\")\n  - [Auto Loans](https:\/\/unitedfcu.com\/personal\/borrow\/auto-loans \"Learn about Auto Loans and apply for financing today\")\n  - [Home Equity Loans](https:\/\/unitedfcu.com\/personal\/borrow\/home-equity-loans \"Learn about Home Equity Loans and use your home’s value to borrow today\")\n  - [Boat, RV & Powersports](https:\/\/unitedfcu.com\/personal\/borrow\/recreational-vehicle-loans \"Learn about RV and Powersport Loans and finance your next adventure today\")\n  - [Personal Loans](https:\/\/unitedfcu.com\/personal\/borrow\/personal-loans \"Learn about Personal Loans and apply for funds today\")\n  - [Student Loans](https:\/\/unitedfcu.com\/personal\/borrow\/student-loans \"Learn about Student Loans and explore financing for education today\")\n  - [Skip-a-Payment](https:\/\/unitedfcu.com\/personal\/borrow\/skip-a-payment \"Learn about the Skip-a-Payment program and see if you qualify today\")\n- [Resources](\"Explore financial resources and tools to help manage your money\")\n  \n  - [Dividend Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/dividend-rates \"Learn about current Dividend Rates and see how your savings can grow\")\n  - [Loan Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/loan-rates \"Learn about current Loan Rates and find a financing option that fits your needs\")\n  - [Mortgage Rates](https:\/\/unitedfcu.com\/rates-and-fees\/rates\/mortgage-rates \"Learn about current Mortgage Rates and explore your home financing options\")\n  - [Personal Banking Fees](https:\/\/unitedfcu.com\/rates-and-fees\/fees\/personal-banking-fees \"Learn about Personal Banking Fees and understand your account costs\")\n  - 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Let's get started.\n\n[Find an advisor](https:\/\/unitedfcu.com\/invest-insure\/invest\/investment-solutions)\n\n[About Us](\"Learn about United Federal Credit Union and discover what makes us different\")\n\n- [About Us](\"Explore who we are and what we stand for\")\n  \n  - [About United](https:\/\/unitedfcu.com\/about-us\/why-united\/about-united \"Learn about United Federal Credit Union and our commitment to our Members\")\n  - [Why Join](https:\/\/unitedfcu.com\/about-us\/why-united\/why-join \"Learn why you should join United and enjoy the benefits of membership\")\n  - [Member Benefits](https:\/\/unitedfcu.com\/about-us\/why-united\/member-benefits \"Learn about Member Benefits and see how United supports you every day\")\n  - [Careers](https:\/\/unitedfcu.com\/about-us\/careers \"Learn about Careers at United and explore open opportunities today\")\n  - [Community](https:\/\/unitedfcu.com\/about-us\/why-united\/community-involvement \"Learn about our Community involvement and how we give back\")\n  - [Our History](https:\/\/unitedfcu.com\/about-us\/why-united\/our-history \"Learn about our History and how United has grown with our Members\")\n  - [Annual Meeting](https:\/\/unitedfcu.com\/about-us\/annual-meeting \"Learn about our Annual Meeting and how Members can participate\")\n- [Support](\"Explore support options and get help with your accounts\")\n  \n  - [Contact Us](https:\/\/unitedfcu.com\/contact-us \"Contact United Federal Credit Union for assistance and support\")\n  - [Schedule An Appointment](https:\/\/unitedfcu.com\/contact-us\/schedule-an-appointment \"Schedule an appointment with a United representative now\")\n  - [Report Lost or Stolen Card](https:\/\/unitedfcu.com\/contact-us\/report-lost-or-stolen-card \"Report a lost or stolen card and protect your account immediately\")\n  - [Debit or Credit Card Disputes](https:\/\/unitedfcu.com\/contact-us\/debit-or-credit-card-disputes \"Learn how to file a Debit or Credit Card dispute and get help resolving issues\")\n- [Branches & ATMs](\"Find branch locations, hours, and ATM access near you\")\n  \n  - [Branches & ATMs](https:\/\/unitedfcu.com\/contact-us\/atmbranchlocator \"Find United branches and ATMs near you now\")\n  - [Branch Hours](https:\/\/unitedfcu.com\/contact-us\/branch-hours \"View branch hours and plan your next visit\")\n  - [Holiday Schedule](https:\/\/unitedfcu.com\/contact-us\/holiday-schedule \"Learn about our Holiday Schedule and branch closures\")\n  - [Shared Branches](https:\/\/unitedfcu.com\/contact-us\/shared-branches \"Learn about Shared Branches and access your account nationwide\")\n\n![branch photo of United's Edison Lakes branch in Mishawaka, Indiana](https:\/\/unitedfcu.com\/getContentAsset\/e94a225e-7a15-423b-923f-96eff098ddfc\/3cde1955-af8f-4dd3-8f6b-159204ebf095\/Branch-Photo.jpg?language=en)\n\n**Branch Locations**\n\nWith nearly 40 branches across seven states, you're never far from a United branch location.\n\n[find nearest branch](https:\/\/unitedfcu.com\/contact-us\/branch-hours)\n\nLogin\n\n# advice hub\n1. [Resources](https:\/\/unitedfcu.com\/resources)\n2. [Advice Hub](https:\/\/unitedfcu.com\/resources\/advice-hub)\n3. 8 Simple Tips to Save Money\n\n## 8 Simple Tips to Save Money\n4\/8\/2025 \\| Jenna Goldberg\n\n- Savings & Investments\n\n![Simple Savings Tips](https:\/\/unitedfcu.com\/getContentAsset\/3773e856-1863-4bd8-b89b-f6968a6b3d74\/3cde1955-af8f-4dd3-8f6b-159204ebf095\/Simple-Savings-Tips-Header.webp?language=en)\n\nSometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving?\n\n**Here are eight simple tips on how to save money that you can start today.**\n\n**1\\. Review and remove unnecessary subscriptions to save money**\n\nSubscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling \\$20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives.\n\n**2\\. Visualize what you want to save money for and discover how much it costs**\n\nIt can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results.\n\n**3\\. Increase your credit score to save money**\n\nIncreasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits.\n\n**4\\. Get a savings account with APY to earn on the money you save**\n\nYou may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with \\$10,000 and a 3.75% APY, you can earn up to \\$375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor.\n\nSee [United’s Elevate Money Market](https:\/\/unitedfcu.com\/personal\/bank\/savings\/elevate-money-market) and talk to an advisor to see how much you can earn through your savings account.\n\n**5\\. Open a Health Savings Account (HSA) to save money on taxes**\n\nOne way how you can save money on health and wellness expenses is by opening an HSA account. A [Health Savings Account](https:\/\/unitedfcu.com\/personal\/bank\/savings\/health-savings-account) will eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money.\n\n**6\\. Join a family member’s account for discounted services and memberships**\n\nDo you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than \\$100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you\\!\n\n**7\\. Make temporary sacrifices to save money**\n\nGiving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt.\n\n**8\\. Avoid the cost of convenience to reduce wasteful spending**\n\nThere is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine.\n\n**Do you find these tips helpful? Find us on [Facebook](https:\/\/www.facebook.com\/unitedfcu?mibextid=wwXIfr) and  [Instagram](https:\/\/www.instagram.com\/unitedfcu\/) for more advice and let us know if these strategies have worked for you.**\n\n[(888) 982-1400](tel:+18889821400)   [Rates](https:\/\/unitedfcu.com\/rates-and-fees\/)\n\n[Why Join](https:\/\/unitedfcu.com\/about-us\/why-united\/why-join \"Learn why you should join United and experience the benefits of membership\")   [Schedule An Appointment](https:\/\/unitedfcu.com\/contact-us\/schedule-an-appointment \"Schedule an appointment with a United representative now\")   [Loan Payment Options](https:\/\/unitedfcu.com\/personal\/borrow\/loan-payment-options \"Learn about Loan Payment Options and make payments easily online\")   [Branches & ATMs](https:\/\/unitedfcu.com\/contact-us\/atmbranchlocator \"Find United branch and ATM locations near you\")   [Holiday Schedule](https:\/\/unitedfcu.com\/contact-us\/holiday-schedule \"View United’s Holiday Schedule and branch closures\")\n\n[Press Releases](https:\/\/unitedfcu.com\/press-releases \"Read the latest Press Releases and news from United\")   [Careers](https:\/\/unitedfcu.com\/about-us\/careers \"Learn about Careers at United and apply for open positions now\")   [Review United](https:\/\/unitedfcu.com\/contact-us\/review-united \"Review United Federal Credit Union and share your feedback\")\n\nUnited Routing Number:\n\n272484894\n\nCopied\\!\n\n**Insured by NCUA.**\n\nEqual Opportunity Lender. 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United does not endorse or guarantee the accuracy of the information on this external site, which is not controlled by United. Accessing this site is your decision and subject to its terms and conditions.","attrs_readable_markdown":"Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving?\n\n**Here are eight simple tips on how to save money that you can start today.**\n\n**1\\. Review and remove unnecessary subscriptions to save money**\n\nSubscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling \\$20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives.\n\n**2\\. Visualize what you want to save money for and discover how much it costs**\n\nIt can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results.\n\n**3\\. Increase your credit score to save money**\n\nIncreasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits.\n\n**4\\. Get a savings account with APY to earn on the money you save**\n\nYou may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with \\$10,000 and a 3.75% APY, you can earn up to \\$375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor.\n\nSee [United’s Elevate Money Market](https:\/\/unitedfcu.com\/personal\/bank\/savings\/elevate-money-market) and talk to an advisor to see how much you can earn through your savings account.\n\n**5\\. Open a Health Savings Account (HSA) to save money on taxes**\n\nOne way how you can save money on health and wellness expenses is by opening an HSA account. A [Health Savings Account](https:\/\/unitedfcu.com\/personal\/bank\/savings\/health-savings-account) will eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money.\n\n**6\\. Join a family member’s account for discounted services and memberships**\n\nDo you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than \\$100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you\\!\n\n**7\\. Make temporary sacrifices to save money**\n\nGiving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt.\n\n**8\\. Avoid the cost of convenience to reduce wasteful spending**\n\nThere is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine.\n\n**Do you find these tips helpful? Find us on [Facebook](https:\/\/www.facebook.com\/unitedfcu?mibextid=wwXIfr) and  [Instagram](https:\/\/www.instagram.com\/unitedfcu\/) for more advice and let us know if these strategies have worked for you.**","meta_canonical":null}

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Meta Title	8 Simple Tips to Save Money \| Advice Hub \| United Federal Credit Union
Meta Description	Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough - here are 8 simple tips for saving!
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Boilerpipe Text	8 Simple Tips to Save Money Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving? Here are eight simple tips on how to save money that you can start today. 1. Review and remove unnecessary subscriptions to save money Subscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling $20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives. 2. Visualize what you want to save money for and discover how much it costs It can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results. 3. Increase your credit score to save money Increasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits. 4. Get a savings account with APY to earn on the money you save You may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with $10,000 and a 3.75% APY, you can earn up to $375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor. See United’s Elevate Money Market and talk to an advisor to see how much you can earn through your savings account. 5. Open a Health Savings Account (HSA) to save money on taxes One way how you can save money on health and wellness expenses is by opening an HSA account. A Health Savings Account will eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money. 6. Join a family member’s account for discounted services and memberships Do you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than $100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you! 7. Make temporary sacrifices to save money Giving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt. 8. Avoid the cost of convenience to reduce wasteful spending There is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine. Do you find these tips helpful? Find us on Facebook and Instagram for more advice and let us know if these strategies have worked for you.
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[learn more](https://unitedfcu.com/business/borrow/commercial-credit-card) [Resources]("Explore tools, resources, and account support for managing your finances") - [Digital Tools & Payments]("Explore digital banking tools and payment services") - [Digital Banking](https://unitedfcu.com/digital/bank/digital-banking "Learn about Digital Banking and manage your accounts online now") - [eDocuments](https://unitedfcu.com/digital/manage/edocuments "Learn about eDocuments and access your statements securely online") - [Mobile Check Deposit](https://unitedfcu.com/digital/bank/mobile-check-deposit "Learn about Mobile Check Deposit and deposit checks from your phone") - [Zelle®](https://unitedfcu.com/digital/payments/zelle "Learn about Zelle and send money to friends and family instantly") - [SavvyMoney](https://unitedfcu.com/digital/manage/savvymoney "Learn about SavvyMoney and check your credit score now") - [Wire Transfer](https://unitedfcu.com/digital/payments/wire-transfer "Learn about Wire Transfers and send funds securely worldwide") - [Card Controls](https://unitedfcu.com/digital/manage/card-controls "Learn about Card Controls and manage your debit or credit cards now") - [Digital Wallet](https://unitedfcu.com/digital/payments/digital-wallet "Learn about Digital Wallets and start using Apple Pay, Google Pay, or Samsung Pay today") - [Resources & Advice]("Explore financial education and support resources") - [Financial Calculators](https://unitedfcu.com/resources/financial-calculators "Explore Financial Calculators and plan your savings or loans now") - [My Home Tracker](https://unitedfcu.com/resources/my-home-tracker "Explore United's My Home Tracker tool to receive valuable insights about your home's value and worth.") - [Financial Wellness Reviews](https://unitedfcu.com/resources/financial-wellness-reviews "Explore Financial Wellness Reviews and how to schedule one. ") - [Shred Day Events](https://unitedfcu.com/resources/shred-day) - [Advice Hub](https://unitedfcu.com/resources/advice-hub "Visit the Advice Hub and get financial tips for every stage of life") - [Applications & Forms](https://unitedfcu.com/resources/applications-and-forms "Find Applications and Forms for opening accounts or applying for loans") - [Security Alerts](https://unitedfcu.com/resources/security-alerts "Learn about Security Alerts and stay informed about account protection") - [Fraud Prevention](https://unitedfcu.com/resources/fraud-protection "Learn about Fraud Prevention and protect your identity now") - [FAQs](https://unitedfcu.com/resources/faqs "View Frequently Asked Questions and find quick answers to common topics") - [Rates & Fees]("Learn about current rates and account fees") - [Dividend Rates](https://unitedfcu.com/rates-and-fees/rates/dividend-rates "Learn about current Dividend Rates and see how your money grows") - [Loan Rates](https://unitedfcu.com/rates-and-fees/rates/loan-rates "Learn about current Loan Rates and find competitive financing options") - [Mortgage Rates](https://unitedfcu.com/rates-and-fees/rates/mortgage-rates "Learn about Mortgage Rates and explore your home financing choices") - [Personal Banking Fees](https://unitedfcu.com/rates-and-fees/fees/personal-banking-fees "Learn about Personal Banking Fees and understand your account costs") - [Business Banking Fees](https://unitedfcu.com/rates-and-fees/fees/business-banking-fees "Learn about Business Banking Fees and manage your company’s expenses") - [Policies & Disclosures](https://unitedfcu.com/about-us/policies-disclosures "Learn about Policies and Disclosures and review important account information") ![track your home's value with my home tracker](https://unitedfcu.com/getContentAsset/f4601ea2-5b45-4648-a526-9bd5a02f1fc4/3cde1955-af8f-4dd3-8f6b-159204ebf095/2026-February-My-Home-Tracker-V2.webp?language=en) Track Your Home's Value Get real-time insights into your home’s value with My Home Tracker from United—available in Digital Banking. [learn more](https://unitedfcu.com/resources/my-home-tracker) [Invest & Insure]("Explore investment and insurance options to help protect and grow your financial future") - [United Investment Planning (UIP)]("Explore investment services and financial planning tools") - [Investment Planning](https://unitedfcu.com/invest-insure/invest "Go to the main investment page") - [Find Investment Strategies](https://unitedfcu.com/invest-insure/invest/financial-strategy "Learn about Investment Strategies and discover options that fit your goals") - [Explore Insurance Strategy](https://unitedfcu.com/invest-insure/invest/insurance-strategy "Learn about Insurance Strategies and discover options that fit your goals") - [Prepare for Your Future](https://unitedfcu.com/invest-insure/invest/prepare-for-your-future "Learn investment strategies to prepare for your future") - [Contact UIP](https://unitedfcu.com/invest-insure/invest/contact "Contact United Investment Planning vie email") - [Access Your Account](https://unitedfcu.com/invest-insure/invest/access-your-account "Access your United Investment Planning account securely online") - [Meet Our Advisors](https://unitedfcu.com/invest-insure/invest/meet-our-advisors "Talk to a Financial Advisor and get personalized investment guidance") - [Auto & Home Insurance]("Explore Auto and Home Insurance options to protect what matters most") - [TruStage® Auto & Home](https://unitedfcu.com/invest-insure/insure/trustage-auto-home-insurance "Learn about TruStage Auto and Home Insurance and get coverage today") - [Travelers Auto & Home](https://unitedfcu.com/invest-insure/insure/travelers-auto-home-insurance "Learn about Travelers Auto and Home Insurance and get a personalized quote") - [GAP & Mechanical Breakdown Protection](https://unitedfcu.com/invest-insure/insure/gap-mechanical-breakdown-protection "Learn about GAP and Mechanical Breakdown Protection and safeguard your vehicle investment") - [Depreciation Protection](https://unitedfcu.com/invest-insure/insure/depreciation-protection "Learn about Depreciation Protection and keep your car’s value covered") - [Other Insurance Coverages]("Explore additional insurance coverages for greater peace of mind") - [Prudential Life Insurance](https://unitedfcu.com/invest-insure/insure/life-insurance "Learn about Life Insurance options and protect your loved ones’ future") - [Accidental Death & Dismemberment](https://unitedfcu.com/invest-insure/insure/accidental-death-and-dismemberment "Learn about Accidental Death and Dismemberment coverage and add extra protection now") - [Debt Protection](https://unitedfcu.com/invest-insure/insure/debt-protection "Learn about Debt Protection and safeguard your loans in unexpected circumstances") - [Hospital Accident Plan](https://unitedfcu.com/invest-insure/insure/hospital-accident-plan "Learn about the Hospital Accident Plan and get financial support for medical emergencies") - [LifeLock™](https://unitedfcu.com/invest-insure/insure/identity-theft-protection "Learn about LifeLock Identity Theft Protection and help secure your personal information now") ![United Investment Planning Logo](https://unitedfcu.com/getContentAsset/8dedde02-01f0-4478-923c-4116eedf5d2c/3cde1955-af8f-4dd3-8f6b-159204ebf095/Navigation-CTA-UIP.png?language=en) United Investment Planning Ready to create a financial plan for your future? Let's get started. [Find an advisor](https://unitedfcu.com/invest-insure/invest/investment-solutions) [About Us]("Learn about United Federal Credit Union and discover what makes us different") - [About Us]("Explore who we are and what we stand for") - [About United](https://unitedfcu.com/about-us/why-united/about-united "Learn about United Federal Credit Union and our commitment to our Members") - [Why Join](https://unitedfcu.com/about-us/why-united/why-join "Learn why you should join United and enjoy the benefits of membership") - [Member Benefits](https://unitedfcu.com/about-us/why-united/member-benefits "Learn about Member Benefits and see how United supports you every day") - [Careers](https://unitedfcu.com/about-us/careers "Learn about Careers at United and explore open opportunities today") - [Community](https://unitedfcu.com/about-us/why-united/community-involvement "Learn about our Community involvement and how we give back") - [Our History](https://unitedfcu.com/about-us/why-united/our-history "Learn about our History and how United has grown with our Members") - [Annual Meeting](https://unitedfcu.com/about-us/annual-meeting "Learn about our Annual Meeting and how Members can participate") - [Support]("Explore support options and get help with your accounts") - [Contact Us](https://unitedfcu.com/contact-us "Contact United Federal Credit Union for assistance and support") - [Schedule An Appointment](https://unitedfcu.com/contact-us/schedule-an-appointment "Schedule an appointment with a United representative now") - [Report Lost or Stolen Card](https://unitedfcu.com/contact-us/report-lost-or-stolen-card "Report a lost or stolen card and protect your account immediately") - [Debit or Credit Card Disputes](https://unitedfcu.com/contact-us/debit-or-credit-card-disputes "Learn how to file a Debit or Credit Card dispute and get help resolving issues") - [Branches & ATMs]("Find branch locations, hours, and ATM access near you") - [Branches & ATMs](https://unitedfcu.com/contact-us/atmbranchlocator "Find United branches and ATMs near you now") - [Branch Hours](https://unitedfcu.com/contact-us/branch-hours "View branch hours and plan your next visit") - [Holiday Schedule](https://unitedfcu.com/contact-us/holiday-schedule "Learn about our Holiday Schedule and branch closures") - [Shared Branches](https://unitedfcu.com/contact-us/shared-branches "Learn about Shared Branches and access your account nationwide") ![branch photo of United's Edison Lakes branch in Mishawaka, Indiana](https://unitedfcu.com/getContentAsset/e94a225e-7a15-423b-923f-96eff098ddfc/3cde1955-af8f-4dd3-8f6b-159204ebf095/Branch-Photo.jpg?language=en) Branch Locations With nearly 40 branches across seven states, you're never far from a United branch location. [find nearest branch](https://unitedfcu.com/contact-us/branch-hours) Login # advice hub 1. [Resources](https://unitedfcu.com/resources) 2. [Advice Hub](https://unitedfcu.com/resources/advice-hub) 3. 8 Simple Tips to Save Money ## 8 Simple Tips to Save Money 4/8/2025 \\| Jenna Goldberg - Savings & Investments ![Simple Savings Tips](https://unitedfcu.com/getContentAsset/3773e856-1863-4bd8-b89b-f6968a6b3d74/3cde1955-af8f-4dd3-8f6b-159204ebf095/Simple-Savings-Tips-Header.webp?language=en) Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving? Here are eight simple tips on how to save money that you can start today. 1\. Review and remove unnecessary subscriptions to save money Subscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling \$20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives. 2\. Visualize what you want to save money for and discover how much it costs It can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results. 3\. Increase your credit score to save money Increasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits. 4\. Get a savings account with APY to earn on the money you save You may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with \$10,000 and a 3.75% APY, you can earn up to \$375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor. See [United’s Elevate Money Market](https://unitedfcu.com/personal/bank/savings/elevate-money-market) and talk to an advisor to see how much you can earn through your savings account. 5\. Open a Health Savings Account (HSA) to save money on taxes One way how you can save money on health and wellness expenses is by opening an HSA account. A [Health Savings Account](https://unitedfcu.com/personal/bank/savings/health-savings-account) will eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money. 6\. Join a family member’s account for discounted services and memberships Do you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than \$100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you\! 7\. Make temporary sacrifices to save money Giving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt. 8\. Avoid the cost of convenience to reduce wasteful spending There is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine. Do you find these tips helpful? Find us on [Facebook](https://www.facebook.com/unitedfcu?mibextid=wwXIfr) and [Instagram](https://www.instagram.com/unitedfcu/) for more advice and let us know if these strategies have worked for you. 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Readable Markdown	Sometimes it seems easier to make more money than it is to save money. After all, saving money often requires us to change our money spending habits, and changing habits can be tough! Don’t worry, a little strategic thinking and reframing your spending decisions can set you on a simple path to saving money and put you in control of your finances. Think of saving money as a strategy to achieve the lifestyle you dream of, rather than a sacrifice. Get clear on what you want and make minor changes that will lead to better spending and savings habits each month. Ready to start saving? Here are eight simple tips on how to save money that you can start today. 1\. Review and remove unnecessary subscriptions to save money Subscriptions that you’re paying for each month can really add up. And it’s easy to forget that you’ve subscribed to something that’s pulling \$20+ out of your account each month. Take a few minutes to review your account transactions and see how many subscriptions you have, and what they cost. Are you willing to part with any of them? If you don’t feel quite ready to end a subscription forever, start taking notes of how often you use it. Some memberships like Hulu give the option to pause the subscription. You can use the ‘pause’ option for a month and see how much you miss it before deciding whether or not to cancel it. Sometimes calling the service and asking to cancel will prompt the salesperson to offer a promotion, giving you a lower monthly rate. Start with increasing your awareness of how much you’re spending in subscriptions and begin looking for better offers and alternatives. 2\. Visualize what you want to save money for and discover how much it costs It can be much more difficult to save money when you don’t have a clear vision of what you’re saving for, or how much money you’ll need. The clearer your goal, the easier it will be to save money for it. Write down a detailed description of what you’re saving money for. If you like, create a vision board or use Pinterest to show the items and lifestyle you’re saving for. Research the cost of what you want and write down that number. When you find yourself getting ready to buy something you don’t absolutely need, think about contributing that money towards your goal instead, getting you closer to what you want. Small contributions lead to big results. 3\. Increase your credit score to save money Increasing your credit score will allow you to obtain a mortgage loan or an auto loan at a lower rate. If you already have a loan, increasing your credit score can give you the opportunity to refinance and get a better deal. Practicing good financial habits will increase your score, so be sure to pay off your credit cards regularly and don’t miss a payment. Set up automatic payments or set a reminder on your phone to make a payment each month to stay on track. Get your free credit report online to see where you stand and check back 1-2 times a year as you improve your money habits. 4\. Get a savings account with APY to earn on the money you save You may hear about savings accounts with APY, which stands for Annual Percentage Yield. This means that you will earn money each year for keeping a savings account. APY is the percentage that you can expect to earn. For example, if you have a savings account with \$10,000 and a 3.75% APY, you can earn up to \$375, just for keeping your money in that account. Not all accounts offer this, so make sure the one that’s holding your money is working in your favor. See [United’s Elevate Money Market](https://unitedfcu.com/personal/bank/savings/elevate-money-market) and talk to an advisor to see how much you can earn through your savings account. 5\. Open a Health Savings Account (HSA) to save money on taxes One way how you can save money on health and wellness expenses is by opening an HSA account. A [Health Savings Account](https://unitedfcu.com/personal/bank/savings/health-savings-account) will eliminate taxes on purchases made using your HSA Debit Card. You can use your HSA card to purchase items like eyeglasses and medicine, and for doctor visits, dental appointments, and more. Taking the tax out of these expenses can lead to impactful savings throughout the year and is another way how you can save money. 6\. Join a family member’s account for discounted services and memberships Do you have your own phone plan or gym membership? Adding on to a family member’s account instead could save you money each month. Services and memberships often have a family plan or discounted deals when you have multiple people on one account. Talk to your family and see what options you might have. Even if you decide to do this temporarily, it could save you more than \$100 a year. You can also consider this option to help you save money before creating a new account – see if a family member is willing to join you\! 7\. Make temporary sacrifices to save money Giving up something forever sounds harsh and unrealistic, but how about making temporary sacrifices? Could you sacrifice shopping sprees and brunch for a month? Three months? How much money would you save? Identifying a few spending habits to temporarily pause could help you save hundreds of dollars over the course of a few months. Knowing that you don’t have to give it up forever can make the sacrifice easier, especially when you know that you’re working towards improving your lifestyle or paying off stress-causing debt. 8\. Avoid the cost of convenience to reduce wasteful spending There is a cost that comes with convenience. Going to the nearest grocery store to save time, even though it costs more than the store in the next neighborhood over, can lead to extra spending on the same items. The same is true with gas stations – taking note of the most affordable gas station within reasonable driving distance can help you save money each week, rather than always pulling into the quickest stop. Being mindful of your spending choices based on convenience can help reframe your thinking, and with a little extra planning, you can change your habits and make the more affordable option part of your regular routine. Do you find these tips helpful? Find us on [Facebook](https://www.facebook.com/unitedfcu?mibextid=wwXIfr) and [Instagram](https://www.instagram.com/unitedfcu/) for more advice and let us know if these strategies have worked for you.
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